1. Retirement MattersDistributions from Retirement Plans Please Call/Email with any questions. Here to serve.

2. Financial Matters Series ProvidenceWealthPartnersSecurities and Investment Advisory services offered through Transamerica Financial Advisors, Inc. (TFA), a registered investment advisor. Member FINRA & SIPC.Non-Security products and services are not offered through TFA. Providence Wealth Partners LLC and TFA are not affiliated. We are licensed to sell securities in thefollowing states: CA, CO, IL, IN, MN, OR and TN. This should not be considered a solicitation in any other state. Due to various state regulations and registrationrequirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages toindividuals residing in states where we are currently registered. A broker/dealer, investment advisor, BD agent or IA rep may only transact business in a particular stateafter licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the states broker/dealer, investment advisor, or BDagent or IA rep requirements, as the case may be; and follow-up, individualized responses to consumers in a particular state by broker/dealer, investment advisor, BDagent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, asthe case may be, shall not be made without first complying with the states broker/dealer, investment advisor, BD agent or IA rep requirements, or pursuant to anapplicable state exemption or exclusion.

3. Retirement Income Sources

4. Distribution Decisions 1. What to Take First 2. How to Take Distributions 3. Investment Strategies 4. Rules to Remember 5. Benefits and Beneficiaries

5. What to Take First Taxable Accounts (Savings and Investments) Tax-Deferred Accounts (Traditional IRAs, 401(k) & 403(b) plans) Tax-Exempt Accounts (Roth IRAs)

6. What to Take First

7. Click to Play

8. How to Take Distributions Option 1.......Leave it Alone Option 2 .......Lump Sum Option 3 .......Rollover Option 4.......Annuity Option 5... ....Combination

9. IRA Rollover Considerations Continued tax deferral Control Generally, more investment options Mandatory distributions at age 70 (traditional) 14% Spent all of the 65% Rolled over proceeds all to an IRA 86% 21% Reinvested Rolled over some or some to all of the an IRA, proceeds reinvested some outside an IRA, and/or spent someSource: Investment Company Institute, 2011. Results are from a survey of employees retiring between 2002 and 2007.

10. Investment Strategies Protecting Generate Growth Principal Income Potential Certificates of Individual bonds Individual stocks Deposit Income-oriented Growth-oriented Money market mutual funds mutual funds funds Fixed annuities Variable annuitiesMutual funds and variable annuities are sold only by prospectus only. You should consider the charges, risks, expenses, andinvestment objectives carefully before investing or entering a contract. A prospectus containing this and other information about theinvestment company or insurance company can be obtained from your financial professional. Read it carefully before you invest orsend money.

11. Investment Strategies Cash 10% Bonds Aggressive Portfolio 10% Best Year.........33.6% Worst Year.....-32.8% Stocks Average..........8.8% 80% Stocks 20% Conservative Portfolio Best Year...............16.8% Cash Bonds Worst Year...........-13.2% 60% 20% Average..............5.7%Source: Thomson Reuters, 2012Past performance does not guarantee future results. Actual results will vary.

12. The $ 100,000 Difference $ 700,000 $ 600,000 Aggressive Portfolio $ 500,000 $545,187 $ 400,000 Conservative Portfolio $ 300,000 $305,551 $ 200,000 $ 100,000 Start Year 10 Year 20This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination ofinvestments. Past performance does not guarantee future results. Actual results will vary.

13. Strategy #1: Mutual Funds

14. Strategy #2: Split Annuities $400,000 divided into two pools Generates $1,253 per month $129,774 $150,000 $100,000 in income (at 3%) $50,000 Start Year 1 2 3 4 5 6 7 8 9 10 $400,000 al at 4% $350,000 $270,226 $300,000 s Princip $250,000 Rebuild $200,000 $150,000 $100,000 $50,000 Start Year 1 2 3 4 5 6 7 8 9 10This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination ofinvestments. Past performance does not guarantee future results. Actual results will vary.

15. Strategy #3: Combination $400,000 divided into three pools $150,000 Generates $2,150 per month in $119,653 $100,000 income (at 3%) during years 1-5 $50,000 Start Year 1 2 3 4 5 Generates $2,150 per month in income (at 3%) $150,000 during years 6-10 $100,138 $100,000 Builds value (at 4%) $50,000 Start 1 2 3 4 5 6 7 8 9 10 Year $400,000 $180,209 $300,000 at 8%) principal ( $200,000 Rebuilds $100,000 Start Year 1 2 3 4 5 6 7 8 9 10This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination ofinvestments. Past performance does not guarantee future results. Actual results will vary.

16. Rules to Remember Required Minimum Distributions - Age 70 - Based on age, account value, and life expectancy Excess accumulation penalty - 50% of amount not distributed as requiredSource: Internal Revenue Service, 2011

17. More Rules to Remember Age 59 Exceptions to rule - Unreimbursed medical expenses - Disabled - Higher education expenses - Buy or build a first homeSource: Internal Revenue Service, 2011

18. Beneficiaries Naming your spouse as beneficiary Naming someone other than your spouse as beneficiary

19. When Should You Begin TakingSocial Security Benefits? Whos Early? Whos Late? Age Matters 73.9% Retire Early Age 62 $923/mo. Age 67 $1,230/mo. Age 70 $1,549/mo. 26.1% Retire at Normal AgeSource: Social Security Administration, 2012; average monthly benefit for a retired worker.

20. Distributions from Retirement Plans

21. Financial Matters Series Brandon Singer BSinger@ProvidenceWP.com www.ProvidenceWealthPartners.comSecurities and Investment Advisory services offered through Transamerica Financial Advisors, Inc. (TFA), a registered investmentadvisor. Member FINRA & SIPC. Non-Security products and services are not offered through TFA. Providence Wealth Partners LLCand TFA are not affiliated. We are licensed to sell securities in the following states: CA, CO, IL, IN, MN, OR and TN. This should notbe considered a solicitation in any other state. Due to various state regulations and registration requirements concerning thedissemination of information regarding investment products and services, we are currently required to limit access of the followingpages to individuals residing in states where we are currently registered. A broker/dealer, investment advisor, BD agent or IA rep mayonly transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they areexcluded or exempted from the states broker/dealer, investment advisor, or BD agent or IA rep requirements, as the case may be; andfollow-up, individualized responses to consumers in a particular state by broker/dealer, investment advisor, BD agent or IA rep thatinvolve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice forcompensation, as the case may be, shall not be made without first complying with the states broker/dealer, investment advisor, BDagent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.